I think the solution on the CS Pricing HMO to PPO spreadsheet, Tab6-PPO has the following errors:

1) Out-of-network Gross PMPM is equal to that of the in-network: $574.76. This implies that network discounts are the same for both models, even though pdf doc explicitly states that the out-of-network model gets no network discount.

2) Pharmacy costs seem to be double-counted. First, they are included in the initial gross PMPM cost of $574.61. Later, they added again to come up with the total PMPM net claims cost.